Major Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 14.1 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Asset Mix:
Securities (32%), home mtgs (19%), comm re (7%), comm loans (5%), consumer loans (3%), cash (1%), other (32%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Hardin County Bancorporation
Investment Rating
--
Address
1202 Edgington Avenue
Eldora, IA 50627
Eldora, IA 50627
Phone Number
(641) 939-3407
Year Founded
1868
FDIC Number
Website
Largest Affiliates
No affiliate information available.